$4,820
Member rewards · 90d
Cash-equivalent, to treasury
Membership · live · earning now
A financial membershipworth belonging to.
Not a points program. A premium financial network — cashback that settles to your treasury, airport lounges, 24/7 concierge, curated experiences and elite status that compounds as you spend. Earned automatically, at mid-market.
Tier · PlatinumConcierge · 24/71,300+ loungesAuto-credit nightly
BINK
Black
•••• 4820
Member since
2 0 2 1
Active tier
Platinum
$4,820rewards · 90d+ $24.72 today
$62k / $80k qualifying spend78%
Member reward stream · live
204ms · rwd_e92d…00:00.022Spend captured · MCC 4511 · airlines
00:00.058Category multiplier · ×3 travel
00:00.092FX cashback · USD → EGP · +0.4%
00:00.124Tier bonus applied · Platinum · +0.25%
00:00.168Lounge eligibility · Priority Pass · unlocked
00:00.204Reward credited · $24.72 · settled to wallet
Member snapshot · live
Auto-credited nightlyYour membership, measured.
×3.4
Avg multiplier
Across active categories
Platinum
Active tier
BINK Black · 78% to go
0.18s
Credit latency
Wallet posting · P50
Membership privileges
Far more than cashback.
Every privilege of a private banking membership, delivered through one network — and every one of them earned automatically as you spend.
Tiered cashback
Up to 3.4% base earn plus FX cashback, credited straight to your treasury — no points to chase.
Airport lounges
Priority Pass access to 1,300+ lounges worldwide, complimentary from Platinum.
Global concierge
A 24/7 concierge for travel, reservations and the impossible request — answered in minutes.
Fine dining
Reserved tables and member rates across a curated global dining program.
Luxury hotels
Elite status, room upgrades and late checkout across premium hotel collections.
Exclusive events
Member-only access to premieres, sport, and private cultural experiences.
Luxury shopping
Boosted earn and private offers with curated fashion and lifestyle houses.
Subscription perks
Stacked perks on recurring spend — auto-detected, auto-applied, surfaced monthly.
The membership journey
From Core to Black.
Four tiers, calibrated against spend. Velocity tracks across every card in your workspace — and the higher you climb, the more the network opens up.
BINK
Core
•••• 1100
Member since
2 0 2 1
BINK Core
1.5%Open · invitation$0 / yr
- Unlimited base cashback
- No FX markup
- Digital membership
BINK
Premium
•••• 1100
Member since
2 0 2 1
BINK Premium
2.0%From $10k / mo$120 / yr
- 2 lounge visits / yr
- Dining program access
- Priority support
BINK
Platinum
•••• 1022
Member since
2 0 2 1
BINK Platinum
2.6%From $50k / mo$550 / yr
- Unlimited lounges
- Annual travel credit
- Hotel collection status
BINK
Black
•••• 4820
Member since
2 0 2 1
BINK Black
3.4%By invitation onlyPrivate
- Dedicated concierge
- Centurion-grade access
- Bespoke experiences
Premium experiences
Access, not advertising.
The experiences a membership should open — lounges, stays, tables and moments that are genuinely hard to get, arranged for you.
Travel
The lounge network
1,300+ lounges across 600+ cities. Walk past the queue, work or rest, then board — complimentary at Platinum and above.
Stays
Hotel collection
Guaranteed upgrades, daily breakfast, $100 property credit and late checkout at hand-picked luxury hotels and resorts.
Concierge
Anything, arranged
A dedicated team for reservations, gifting, sourcing and last-minute logistics — reachable on every channel, always on.
Access
Member-only moments
Private dinners, premieres, finals and gallery previews — invitations curated to where you live and travel.
Travel & lifestyle
The world, on better terms.
Spend anywhere across 6 currencies at the mid-market rate, earn triple on travel, and travel covered — every trip.
0%
FX markup
Mid-market on 6 currencies
×3
Travel earn
Flights, hotels, ground
Incl.
Travel insurance
Trip, medical, baggage
24/7
Concierge
Median reply < 4 min
Rewards intelligence
It optimises so you don't.
The engine picks the highest-yield card and category per merchant in real time — and tells you exactly how to climb faster.
×3
Travel
Flights, hotels, ground & lounges. Lounge access unlocks at Platinum.
+0.5%
FX cashback
Every cross-border tap earns, stacked on top of the base rate.
×2.5
Dining
Premium dining and the curated member restaurant program.
×2
Lifestyle
Fashion, wellness and curated retail houses.
×2.5
SaaS · infra
AWS, Stripe, Linear, Vercel — the full software MCC family.
×1.5
Everything else
A strong base rate on all other eligible spend, every tier.
For you, this week
Personalised- Route Emirates spend to your Platinum card — ×3 travel earn vs ×1.5 elsewhere.
- You are $18k from BINK Black. Concierge and bespoke experiences unlock at the threshold.
- 4 complimentary lounge visits remaining this quarter — Priority Pass active.
The partner network
In good company.
A curated network of airlines, hotels and lifestyle houses — chosen for the experiences they unlock, not the size of their logo.
Airlines
- EmiratesTier status match
- Qatar AirwaysCabin upgrades
- British AirwaysAvios boost
- LufthansaPriority boarding
Hotels & Stays
- MarriottElite status
- HiltonRoom upgrades
- Booking.comMember rates
- ExpediaBonus+ rewards
Dining & Lifestyle
- DeliverooFree delivery
- DoorDashDashPass perks
- ZomatoPro dining
- StarbucksBonus stars
Travel services
- UberRide credits
- LyftPriority pickup
- AirbnbStay credit
- GrabMember rate
EmiratesQatar AirwaysBritish AirwaysLufthansaMarriottHiltonBooking.comExpediaDeliverooDoorDashZomatoStarbucksUberLyftAirbnbGrabEmiratesQatar AirwaysBritish AirwaysLufthansaMarriottHiltonBooking.comExpediaDeliverooDoorDashZomatoStarbucksUberLyftAirbnbGrab
Elite status & protection
Exclusivity you can trust.
A membership is only as good as the people behind it. Every member is verified, protected and served on the same regulated rail.
Relationship managers
Black members are paired with a named relationship manager — one point of contact, no queues, no scripts.
Member protection
Purchase protection, extended warranty and return guarantee on eligible spend — handled by the membership desk.
Verified membership
Every member is identity-verified and continuously monitored on the regulated rail — exclusivity you can trust.
Priority everything
Front-of-line authorization, expedited reissue, priority dispute handling and same-day escalation.
< 4 min
Concierge reply
Median, 24/7
1,300+
Lounges
600+ cities
98%
Member retention
Trailing 12 months
$0
FX markup
Mid-market always
Built to work together
Compose your stack.
Each product is a real surface. They share one ledger, one identity, one regulated rail — and one billing relationship.
Cards
Carry the membership
Titanium, platinum and virtual cards — tier velocity tracks across all of them.
Connected
Pricing
Tier-linked pricing
Higher membership tiers unlock lower spreads and platform fees.
Connected
Wallets
Rewards to your treasury
Cashback credits to the home-currency wallet your revenue lands in.
Connected
Membership · open
Belong to the network.
Core membership opens at $0 and every authorization compounds from there. Request access today — Black is by invitation.